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Wife unemployed for the whole year, insured. APW-couple
There is no gross wage for the wife. The compensation is 255 x 293 = 74,715 SEK.
The daily compensation of 293 SEK is calculated as 0.8 x 95,130 = 76,104 / 260 =
292.71 SEK, rounded 293 SEK. The maximum benefit, 564 SEK a day, is not
reached. The minimum benefit in 1995 is 245 SEK/day.
The gross compensation percentage is 74,715 / 95,130 x 100 = 78.5. The disposable
income of the APW-couple is 180,854 SEK, when the wife is unemployed for the
whole year in 1995 and usually is working part time (½ APW income).
The decrease in disposable income compared to the situation with no unemployment
is 195,770 - 180,791 = 14,979 SEK or 7.7 per cent.
7.
Injured from work. Single APW
The effects of injuries from work are studied in two cases. In the first there is a
complete loss of working capability. In the second, the working capability is reduced
by 33.3 per cent.
1. Working capability completely lost
In Sweden there is full compensation for the loss of income caused by injuries
from work (if the income is within 7.5 x ’basbeloppet’, that is 267,750 SEK in
1995).
There is no change in the disposable income of the APW in this situation.
2. Loss of 1/3 of the working capability
There is, also in this situation with partial loss of the working capability, full
compensation for the lost wage income within the usual income limit of 7.5 x
’basbeloppet’.
There is no change in disposable income.

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8.
Pensioner with maximum period of former occupation. Single APW
Retirement at ’usual’ age, here 65 years
It is assumed, that the APW has gained pension rights for 30 years (that is a ’full’
period in the present Swedish additional pension scheme). This is also feasible, since
the system started in 1960. It is further assumed, that the average number of ’pen-
sion-points’ is 4.03 (the actual number in 1989). This average is slightly increasing
over time. On these assumptions the additional pension (ATP) will be 84,596 SEK
in 1995.
The basic pension in the Swedish system is based upon the basic rate (’basbeloppet’)
which in 1995 was 35,700 SEK. The basic pension consists of two components, a
basic amount which equals 35,700 x .96 x .98 = 33,587 SEK (single pensioner) and
a supplementary amount, 35,700 x .555 x .98 = 19,417 SEK. The basic pension is
then 53,004 SEK for a single pensioner. If the pensioner has no additional income he
or she pays no taxes. When the pensioner has income from the additional pension
scheme the supplementary amount in the basic pension is means tested and reduced
by 1 SEK for each SEK in additional pension. The disposable income for the ’APW-
pensioner’ is 33,587 SEK in basic pension plus 84,596 SEK in ’ATP’ minus 31,820
SEK in personal tax, in total 86,363 SEK.
The net compensation percentage is 86,363 / 128,228 x 100 = 67.4.
The decrease in disposable income by retirement is 32.6 per cent in this situation.